The best time to pay taxes is today and not in the future when our investments or savings are bigger, which translates to bigger taxes. So your 401k savings is really not totally your own, half of it goes to IRS.
Let me show you a cash flow analysis looking at your income taxes, deferred taxes and other taxes to ensure that you can have a tax advantaged financial plan.
What are your reasons for opening a particular investments or savings account?
Are you satisfied with the amount of future income taxes incurred from your savings or investments?
Let me help you navigate your cash flow, showing your graphically using the Life Balance Sheet, protecting your from incurring more taxes and reallocating your assets, maximizing your wealth and protecting your cash accumulation.
When do you want to retire? Each age group, the younger 40s and the 40plus generation have their own path to achieve the maximum wealth accumulation in a tax advantaged way.
I will plan for your finances ensuring that any tax increases over time is accounted for in your overall financial plan. Using proper asset reallocation, I will ensure that you have the cash value and net worth taking into account lesser taxes that is eating up your savings or investments. Each year, we will proactively be on top of your financial plan to get all your money back eaten by taxes.
Together we will take action so that you did not lost any opportunity costs.
Connie Dello Buono
Financial Planner
CA Life Lic 0G60621
408-854-1883
motherhealth@gmail.com
Published by connie dello buono
Connie Dello Buono is based in Sunnyvale California. Her first ebook is about women's health, Birthing Ways Healing Ways and her recent one is about cancer prevention, Curated Healing Ways. She had helped women have holistic childbirth as childbirth educator, founded Motherhealth, to serve seniors in the bay area with holistic caregivers and blogs at www.clubalthea.com with more than 10,000 health and finance related posts.
Connie trains her own caregivers, which are the favorites of most bay area seniors who are home bound and alone.
She is active in the rehab and nursing facilities, volunteering on music and movement for seniors.
She is a member of Lion's club and offered scholarships to students in the Philippines.
She is active at churchinsunnyvale.us and has Fridays Bible home study in Sunnyvale using the recovery version of the Bible , free at biblesforamerica.us
She loves dancing and teaching and her courses can be found at
https://teachclub.com/@thriveafter60
She is California Life Insurance licensed providing life insurance for older adults with health issues and helping women retire safely with income for life.
at menloassetca.com , she helps with 401k rollover.
3 Benefit plans
- Mortgage protection using term life insurance to pay for mortgage balance in event of death
- Final Expense plan using Single Issue Whole Life Insurance, with cash back, disability benefit and guaranteed in the presence of health issues
- Fixed Index Annuity retirement plan for safe, accessibility, less fees, less taxes, avoids probate as it goes directly to beneficiaries, rate of return with no downside market participation.
She brings compassion and understanding to the needs of her clients, bringing holistic approach in health and life insurance. Her goal is to free families from worries especially during covid with caregivers and life insurance in the presence of health issues, especially for women.
She can be reached at 408-854-1883 , motherhealth@gmail.com
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